How to spend less on extra junk

Feeling the Cash can make a difference!!!

In lieu of using debit and credit cards schedule one day a week as a banking day. Visit your local branch and withdraw the money needed to cover all expenses not handled throgh www payment. Then place the money allocated to each expense into a labelled banking envelop (provided) and use it as needed.

Be strict with yourself...don't rob from Paul to pay Peter! Any money left over at the end of the week can either carry over or go into a rainy day fund.